Harborage The Homes for Sale

Harborage The is a residential community in Key Largo, Florida.

Pure Equity Realty covers Harborage The and the Key Largo area. We list for 1%, which includes photography, MLS syndication, and negotiation support. Buyers pay nothing for representation. For current market data, see Florida Realtors' market statistics.

Our MLS feed shows 3 Harborage The Key Largo homes for sale as of October 2026. The median asking price is $1.85M. Asking prices run from $407,000 to $4.2M.

That is 115% above the Key Largo median of $859,000. On a per-foot basis, homes here ask about $645 per square foot, roughly in line with the city at $672. So the median price buys roughly 2,850 square feet of living area.

Listings here have averaged 346 days on the market. That is slower than the Key Largo average of 171 days. Because of that, buyers often have more room to negotiate on price, repairs or closing costs.

Homes listed in Harborage The date from 1977 to 2026. That puts them between 0 and 49 years old.

The range straddles 2002, when Florida adopted its statewide building code. Therefore two similar-looking homes here can carry very different insurance premiums. Ask for the wind mitigation report on any home you consider, since it drives much of that difference.

In addition, most Florida insurers ask for a four-point inspection on homes 30 years or older. It covers the roof, electrical, plumbing and HVAC. Updated systems usually make coverage easier to place.

Here is what the median Harborage The price means in Florida closing terms. At $1.85M, a 20% down payment comes to about $370,000, leaving a loan near $1.48M.

Florida then taxes that loan twice. First, documentary stamp tax on the note runs 35 cents per $100, or about $5,177. Next, the intangible tax of 0.2% adds about $2,958. Buyers normally pay both at closing.

On the seller side, Florida deed stamps cost 70 cents per $100 of price. At the Harborage The median, that is about $12,943.

Finally, owner-occupants should file for the Florida homestead exemption by March 1. It removes up to $50,000 of assessed value. After that, Save Our Homes caps yearly assessment increases at 3% or inflation, whichever is lower. To see what these numbers mean for your budget, get pre-approved before you tour.

Recent Harborage The listings show assignments to Key Largo (elementary), Key Largo (middle) and Coral Shores (high). However, boundaries can change each year, so confirm the assignment for a specific address with the county school district.